Retail banking


A SaaS platform for banks, BaaS providers and non-banks to deliver embedded finance and generate new revenue streams with packaged banking services.

Packaged banking services to support embedded finance

Temenos’s open platform for composable banking unleashes proven banking capabilities and APIs for banks and BaaS providers on a highly scalable architecture. Why? So you can enable businesses to deliver your financial services to customers, directly at the point of need.

Deliver new services, fast

Banks, fintechs and non-banks can leverage banking-as-a-service to accelerate time-to-market for new financial products and services. The Temenos Banking Cloud provides a self-service platform to rapidly access, test and scale a full range of packaged banking service APIs.

Create fresh revenues

Grow your business by helping customers to capture new financial services revenue streams. Banks, BaaS providers and brands can power embedded finance with Temenos by harnessing tried and tested banking capabilities.

Increase customer relevance

Customer engagement is driven by relevant, contextual banking services, delivered at the point of need. With our open platform, access capabilities from Temenos, and the innovation in customer experience delivered by our growing fintech ecosystem on Temenos Exchange.

The Temenos Banking Cloud provides an API-first platform for banks and non-banks to assemble, deploy, and monetize new banking services. The breadth of banking capabilities developed by Temenos or our partners can be accessed for redistribution and extended with ease. Temenos also provides a series of packaged banking services, such as an AI-powered Buy Now, Pay Later service which can be consumed and quickly deployed to rapidly capture new embedded finance opportunities.

Open interoperability

Plug and play API platform and SaaS operating model and independently deployable and configurable banking services.

Extend with ease

Preconfigured, extensible and re-usable banking capabilities with low-code developer-friendly tooling and localized configurations as standard.

Built for Scale

cloud-native, multi-tenant with highly resilient services. Scale APIs on-demand to rapidly build new products or expand into new geographies.

Self-service SaaS

Consume, manage, configure and maintain banking services in a secure, self-service platform.

Find out more

about Banking-as-a-Service with Temenos

When we created Vodeno, our vision was to enable ‘Banking as a Service’ to any regulated and non-regulated institution. Through this strategic collaboration with Temenos and Aion Bank, we will offer banks, fintechs and brands the richest BaaS proposition in the market.”

Wojciech Sobieraj
Chief Executive Officer, Vodeno

Powered by the Temenos Banking Cloud, Mbanq takes to market a Credit Union-as-a-Service offering that automates every operational requirement a modern Credit Union needs. This game-changing partnership will drive our company’s growth and help regulated and unregulated entities transform their offerings, technology and customer experiences.”

Vladimir Lounegov
CEO and Co-Founder, Mbanq

See more success stories

Open Banking and The Rise of Banking-as-a-Service

Around the world, banks are pursuing a new business model that moves from competition to collaboration; strategizing to co-evolve and co-exist with multiple players in the banking ecosystem. All of this, in the goal of achieving success in the world of open banking and BaaS.

The Rise and Rise of Banking-as-a-Service